WE BRING LENDERS AND BORROWERS TOGETHER.
At JT Home Loans we work to understand your individual needs and use our expertise to find the best possible lender to fulfill those needs. You won’t experience any high-pressure sales tactics, just the best advice and recommendations for your unique situation.
We provide quality advice and lending services, a complete end to end transaction from intial contact to your moving in date, settlement, or sign-off.
We specialise in providing top quality outcomes for the Self Employed and for clients with Self Managed Super Funds (SMSF Lending).
We have partnered with MyConnect to get you the best deals on electricity, gas, internet and other related services in your area, everything organised and connected on the day you move in.
Contact us for further information or visit MyConnect to read more about them.
Save time and energy by trusting a professional with industry experience and knowledge to get you the best deal from the best lender for you
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LATEST NEWS AND UPDATES
***FIRST HOME BUYERS - FHLDS CHANGES TODAY***![]()
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Today the scheme lists price caps and income limits to be available to more first home buyers.![]()
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The main benefit of the First Home Guarantee to any first home buyers is providing quicker access to the property market through the removal of barriers. As this scheme allows you to buy a house with a lower deposit, you can benefit by saving time on saving up a 20% deposit and have the opportunity to purchase your first home quicker. ![]()
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What's Changing![]()
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No Income Limits: ![]()
Previously, there were income caps of $125,000 for individuals and $200,000 for joint applicants. From October 1, 2025, these income caps are removed, making the scheme available to a much wider range of applicants. ![]()
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No Place Limits: ![]()
The previous annual quota system, which restricted the number of available places and caused many eligible buyers to wait, is being abolished. All eligible first home buyers will now be able to access the scheme. ![]()
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Increased Property Price Caps: ![]()
Property price caps have been significantly lifted to reflect current average house prices. For instance, the cap in Sydney rises from $900,000 to $1.5 million, and in Melbourne from $800,000 to $950,000, with increases also occurring in other cities. ![]()
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Simplified Regional Access: ![]()
The separate Regional First Home Buyer Guarantee will close to new applications. First home buyers in regional areas will now have unlimited access to places under the expanded First Home Guarantee and Family Home Guarantee. ![]()
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Benefits for First Home Buyers![]()
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Lower Upfront Costs: ![]()
Buyers can purchase a home with a 5% deposit, avoiding the substantial cost of lenders' mortgage insurance. ![]()
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Increased Property Options: ![]()
Higher property price caps mean that a greater number of properties, including more desirable homes, will now be eligible under the scheme. ![]()
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Faster Homeownership: ![]()
The combination of a smaller deposit requirement and broader eligibility helps to significantly reduce the time it takes for first home buyers to save for a deposit and enter the property market. ![]()
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Contact us today to see how we can help you access this scheme.
📢 RBA Holds Cash Rate at 3.60% – September 2025![]()
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The Reserve Bank has held the cash rate steady at 3.60%, as expected. 📉 Inflation rose to 3.0% in August, keeping rates on pause for now. Experts say the next possible cut may come in November, depending on new inflation data.![]()
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🏡 Borrowers are encouraged to plan ahead, explore refinancing options, and take advantage of government support like the Home Guarantee Scheme for first home buyers.![]()
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Need help navigating the market? Now’s the time to get your ducks in a row. 🦆💼![]()
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#RBADecision #InterestRates #HomeLoans #FirstHomeBuyer #FinanceUpdate ![]()
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www.theadviser.com.au
🔍 Credit Reporting Myths Are Hurting Australians![]()
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Misconceptions about credit reporting are leading to poor financial decisions, loan delays, and missed opportunities — and brokers are in a prime position to help fix that.![]()
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❌ Top Myths Debunked![]()
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Checking your credit report lowers your score – False. It’s a soft check and has no impact.![]()
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Asking for financial hardship help ruins credit – False. It’s not counted as missed payments and disappears after 12 months.![]()
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BNPL isn’t credit – False. BNPL is now regulated like other credit products and can impact your credit file.![]()
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📊 Key Stats![]()
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1 in 3 Australians never check their credit report.![]()
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43% didn’t know hardship help was available.![]()
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Younger generations (Gen Z, Millennials) feel least confident about credit.![]()
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👥 Why Brokers Matter![]()
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Brokers are a key source of credit education.![]()
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Using tools like CreditSmart®, brokers can educate clients, debunk myths, and improve financial outcomes.![]()
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📈 Bottom Line![]()
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Better credit knowledge = better financial decisions.![]()
Brokers who stay informed and help educate clients add real value.
JT Home Loans – Loan Repayment Comparison (30 Year Term)![]()
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What can you save with these rate cuts or refinancing to another lender?![]()
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At JT Home Loans, we understand how much even a small rate reduction can impact your financial future. The table below shows the difference in monthly repayments and total lifetime savings on loan amounts ranging from $300,000 to $2 million over a standard 30-year term. ![]()
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By securing a better rate, you could potentially save thousands of dollars each year – and hundreds of thousands over the life of your loan.![]()
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Contact JT Home Loans today to explore how we can help reduce your repayments and put more money back in your pocket. Whether you’re refinancing or purchasing, we’re here to make the process simple and stress-free.![]()
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JT Home Loans![]()
📞 0420 315 795![]()
✉️ joshua@jthomeloans.com.au ![]()
🌐 www.jthomeloans.com.au![]()
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Figures are for illustration purposes only. Please contact JT Home Loans to discuss your personal circumstances.
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***Mutual Collaboration***![]()
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When you suggest to clients to use a business partner you always hope for successful outcomes for all parties.![]()
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Marina Shatalova/Marble St. once again got our clients buying who needed help with their busy schedules and not only did she do it efficiently but she did it whilst saving them more than 3 times her fee which is not the first time we have collaborated with clients and seen this occur.![]()
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We then got to move our prework into action and deliver a quick finance approval with a few sticky items to complete the experience for these first home buyers.![]()
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Zach and Lauren we are so happy to see you achieve this and are really grateful for the chance to play a small role in this chapter. Even more grateful for the trust and faith in our service and recommendations.![]()
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You guys have been amazing and hope everyone enjoys the Marble Street capture of this buying journey and seeing your excitement and hearing it in the call Lauren!![]()
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Just brilliant and a great moment showing my this job can be so rewarding.![]()
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#jthl #LZ #MARBLEST #collab4thewin![]()
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www.instagram.com/reel/DOTdlEzCbYW/?igsh=ZW44NzNxcmo1bGJ2
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Such a great message regardless of your thoughts on the speaker.![]()
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We are happy to help be the financial supporters you need - just reach out.![]()
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Joshua Trevitt![]()
• Phone: 0420 315 795![]()
joshua@jthomeloans.com.au ![]()
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Ronda Trevitt![]()
• Phone: 0405 151 814![]()
ronda@jthomeloans.com.au ![]()
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Admin Team![]()
admin@jthomeloans.com.au ![]()
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Office Address![]()
20/107 Wells Road, Chelsea Heights VIC 3196, Australia
SERVICES
Home Lending
Refinancing
Investments
Referrals
SMSFs
Self Employed
CONTACT
Joshua Trevitt
Ronda Trevitt
Admin Team
ADDRESS
JT Home Loans
20/107 Wells Road
Chelsea Heights VIC 3197
PO Box 12040
Carrum VIC 3197
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